I owed inclusive finance more than 40,000 yuan half a year ago, and now I'm asking for money. What should I do?

First of all, it is right to pay off debts.

Secondly, we need to analyze whether we should pay back so much money. Legally, the interest rate of more than 36% per annum is not protected by law. Usually, the contracts signed by CreditEase and customers are all a trick, that is, the money borrowed is different from the money to be repaid, which is not the advertised interest rate at all, far higher than 36%.

Third, after reasonably determining the repayment amount, negotiate with CreditEase, and involve relevant departments through complaints or other means to ensure the interests of customers. It is best to hire professionals, but at a certain cost.

Fourthly, if there is any problem with repayment ability, it is suggested that it should not be paid in full, but in a little bit, to express an attitude to prevent adverse effects caused by CreditEase's legal procedures. Don't lose touch.

Fifth, non-licensed financial institutions are all for profit, and licensed financial institutions need to maintain financial security under the supervision of the state, so it is recommended to mainly cooperate with licensed financial institutions in the future.

Sixth, telephone collection is the lightest means of collection. The calm answer is mainly negotiation, and wait until CreditEase takes more drastic measures before fighting back.